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Whether a metal or shingle roof is better for you depends on your preferences. Standing seam metal roofs require little to no maintenance, but if you install a screw-down metal roof where the fasteners are exposed, the gaskets on the fasteners will dry rot and need to be replaced. Generally, screw-down metal roofs need to be re-screwed every 15 to 20 years.

Metal roofs are energy-efficient and have extended warranties, while asphalt shingles are less durable than most. They tend to lose color and get damaged over time, and absorb heat from the sun.

Your homeowners insurance premium may increase if you file a roof claim. Whether your rate goes up, and by how much, depends on several factors. These include your insurance company's policies, your personal claim history, the size of the current claim, and the type of damage. While a single claim after a long period without any may not trigger an increase, frequent claims are more likely to raise your premium. Additionally, insurers might increase rates at renewal due to external factors like changing weather patterns, which are beyond your control.

As with any roofing material, there are benefits and drawbacks to consider before installing roll roofing. On the plus side, roll roofing is budget-friendly, lightweight, and comparatively easy to install. It is also ideal for low-sloped roofs and lasts around 10 years. The cons of roll roofing, however, include its low durability compared to roofing materials, restricted color choices, and low ROI.

Pros:

• Low-cost

• Lightweight

• Cut to size

• Easy and quick installation 

• Designed for low-sloped roofs

• Waterproofs your roof for an average of 10 years

• Easy to purchase and transport

Cons:

• Less durable than asphalt shingles

• More prone to cracks and tears

• Short life span

• Not as many color or style choices

• Not as aesthetically pleasing as shingles, wood, or clay tiles

• Not preferred for a higher home resale value

Homeowners insurance sometimes covers roof decking, but it depends on the cause of damage and whether the decking was properly installed. If the roof decking was damaged by a severe storm, then it will likely be covered. Insurance may also pay for roof decking work if building codes require it. However, insurance won’t cover damage caused by normal wear and tear or poor maintenance practices.